Search found 195 matches

by genjix
Sun Apr 17, 2016 3:41 am
Forum: Investing - Help with Personal Investments
Topic: Lending club 70k minimum gross income
Replies: 3
Views: 1426

Lending club 70k minimum gross income

LC has a 70k gross income requirement. Does bonuses count towards gross income? What if one year bonus isn't given and now it's under the 70k requirement? I'm also assuming they do not mean AGI.
by genjix
Thu Feb 18, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3166

Re: Flyer miles worth it?

Thanks for everyone's feedback, I would like to travel once a year so I was trying to figure out if I should be spending on my fidelity amex 2x cash back or apply for an airline miles card.
by genjix
Thu Feb 18, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3166

Flyer miles worth it?

Aside from the bonus flyer miles for initial sign up do flyer miles have any advantage over cash reward if they both offer 2x? (If I intend to travel)
by genjix
Sun Feb 07, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Leasing my coop apt nyc taxes
Replies: 2
Views: 497

Re: Leasing my coop apt nyc taxes

Thanks for the information. Can you explain the less depreciation of cost basis in coop? I'm not familiar with that.
Also I believe my building has a 50% deductible for maintenance. How is this effected when renting out and I'm already subtracting the whole maintenance from the rental income?
by genjix
Sat Feb 06, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing my coop apt nyc taxes
Replies: 2
Views: 497

Leasing my coop apt nyc taxes

Hi, I'm thinking about leasing my coop apt and trying to understand how taxes would work. Let's say my mortgage was $500 and my coop maintenance was $500 totaling $1000 and I lease out my apt to a tenant for $1100 a month. At the end of the year, would the $1200 net profit only be taxable plus the p...
by genjix
Mon Jan 25, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: What happens after target year is reached
Replies: 6
Views: 694

Re: What happens after target year is reached

Thanks all. This is helpful
by genjix
Mon Jan 25, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: What happens after target year is reached
Replies: 6
Views: 694

What happens after target year is reached

Hi

What happens when target year is reached in target fund? IE if target fund is 2020, will stock/bond allocation continue to change? What will the allocation be like in year 2040 if you have a 2020 fund?
by genjix
Tue Jan 05, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1341

Re: Would like to rent my apt out. Need advise

I'm the owner of the coop and pretty good area. I like the idea of getting ideas from the board to be on good terms with them. I will also bring in a realtor to see what options he brings to the table.
by genjix
Tue Jan 05, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1341

Re: Would like to rent my apt out. Need advise

Two thoughts: The managing agent of your coop might be able to give you some guidelines/assistance. The coop board might require your subtenant to submit to an interview before approving your application to sublet. Yes the board does need to interview and approve. I was thinking of using a realtor ...
by genjix
Tue Jan 05, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1341

Re: Would like to rent my apt out. Need advise

Yeah it's a coop and allows sublease.
by genjix
Tue Jan 05, 2016 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1341

Would like to rent my apt out. Need advise

Hi all, I'm looking to rent my apt out for the first time and need some advise. How do I go about choosing the right listing agent? What criteria should I look forward? (NYC area) I would like to rent it out furnished because I plan to move back in a year or so, will renting furnished be a hindrance...
by genjix
Sat Oct 24, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do students loan payments work
Replies: 5
Views: 827

How do students loan payments work

I want to pay off as quick as possible. There is no section like a mortgage to pay towards principle. Is it just one number like a credit card and the debt re-amortorizes every month/year
by genjix
Fri Sep 25, 2015 6:44 am
Forum: Personal Finance (Not Investing)
Topic: consolidate student loans?
Replies: 3
Views: 314

Re: consolidate student loans?

Oh darn. I guess there is no real way to get overall lower interest rates than. It would probably better to keep them seperate so she can focus ob paying off the higher interest rates first
by genjix
Thu Sep 24, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: consolidate student loans?
Replies: 3
Views: 314

consolidate student loans?

Hi,

Question for a friend who has student debt. He said some of her loans are as high as 8%. Is it possible to consolidate 3 student loans, if so where are some good places to do so?
by genjix
Fri Aug 28, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: NYC- Where to buy a good quality sofa or sectional?
Replies: 9
Views: 859

Re: NYC- Where to buy a good quality sofa or sectional?

They have a macys furniture gallery in long island. They have a pretty big section where customers may have returned or something minor wrong with it and you get a decent discount.
by genjix
Wed Aug 26, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Divident schedule for vtiax?
Replies: 3
Views: 281

Re: Divident schedule for vtiax?

NonnyGoGo wrote:Did you see this https://www.bogleheads.org/forum/viewtopic.php?t=172339?

I exchanged $1 from my MF to the PMM yesterday.
This morning I was able to setup the dividends and CG to be deposited into the PMM.


Thank you! I will try this.
by genjix
Wed Aug 26, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Divident schedule for vtiax?
Replies: 3
Views: 281

Divident schedule for vtiax?

I sold VTIAX in my taxable account and purchased VFWAX and VFSVX for tax loss harvesting. I'm learning that there may be a wash sale if I have VTIAX in my roth Roth IRA with reinventing dividend. This is the only fund I hold in my ROTH so I can't route the dividend to any other fund or even the prim...
by genjix
Wed Aug 26, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: another tax loss harvest question
Replies: 9
Views: 544

Re: another tax loss harvest question

Hi, One buys 1000 shares of VTI last week and holds no other shares of VTI nor any substantially identical shares. One sells 500 shares at a loss today. Is it a wash sale? I'll bite. No, not a wash sale. *Assuming this excludes any potential dividends and that you do not re-purchase any substantial...
by genjix
Wed Aug 26, 2015 6:46 am
Forum: Investing - Help with Personal Investments
Topic: another tax loss harvest question
Replies: 9
Views: 544

Re: another tax loss harvest question

Thanks for the reply guys. I purchased total stock marjet fund at different points of time this year. One lot purchased 2 months ago was purchased at a higher price than it is today. I also bought shares 3 days ago. Can I exchange the lot I purchased 2 months ago which is beyond the 31 day period fo...
by genjix
Wed Aug 26, 2015 4:50 am
Forum: Investing - Help with Personal Investments
Topic: another tax loss harvest question
Replies: 9
Views: 544

another tax loss harvest question

Hi,

If I purchased total stock market 3 days ago but want to only sell the lot of total stock market from 2 weeks ago, can I do that or will that be considered a wash?
Also can I exchange it for sp500 and extended market or do I need to only buy sp500 to avpid the wash?
by genjix
Mon Aug 24, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: how do i change cost basis?
Replies: 2
Views: 268

how do i change cost basis?

Hi

I would like to utilize tax loss harvesting, how would I change cost basis from avgCost to specific shares? or LIFO at least?
I have vanguard and trying to sell total stock market
it doesnt give me an option to change from avgcost
by genjix
Mon Aug 24, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: help with tax loss harvest total international
Replies: 7
Views: 674

Re: help with tax loss harvest total international

Thanks for the response. I wasnt aware this was an approximating solution. Is it common practice for bgers to put 100% into vfwax or is there a small cap we need to combine with or some other combination?
by genjix
Mon Aug 24, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: help with tax loss harvest total international
Replies: 7
Views: 674

help with tax loss harvest total international

Hi

I would like to tax harvest total international stock market with vanguard alternative funds
in the wiki I see for approximating the total international fund they include ishares canada and south korea. Should I just leave those out and bump up vdmix , veiex and vfsvx?
by genjix
Fri Aug 21, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: question about starting 401k at small scorp
Replies: 4
Views: 300

Re: question about starting 401k at small scorp

4 employees total. Part 2 to this question is if he starts the 401k does it have to be available to all employees or can he limit it to just him and his partner.
by genjix
Fri Aug 21, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: question about starting 401k at small scorp
Replies: 4
Views: 300

question about starting 401k at small scorp

Hi all

Friend wants to start a 401k for his s-corp. Can he just call vanguard and have a rep walk him through it to set up? Any advice on strategy for matching etc to maximize tax breaks?
by genjix
Sat Aug 08, 2015 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: rollover to 401k?
Replies: 5
Views: 451

Re: rollover to 401k?

Louis Winthorpe III wrote: 3 basis points = $30 for every $100,000 you have invested. You just have to decide how valuable those 3 basis points are to you vs having a direct relationship with Vanguard.


isnt $300 difference?
by genjix
Sat Aug 08, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: rollover to 401k?
Replies: 5
Views: 451

rollover to 401k?

Hi all, I'm contemplating on rolling over my rollover IRA to my 401k (if possible) the 401k has some really cheap funds like VITPX which is .02 ER. This is a fairly new 401k, about a year and i have 23k in there and I saw the YTD admin fees were only $25. Financially sounds like it may be work it, a...
by genjix
Fri Jul 31, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 38
Views: 3412

Re: real estate in NYC

Move to long island in a nice house! or queens, bayside, whitestone. great school districts you'll get a house with backyard and you can subway or LIRR to manhattan or Forest Hills queens, zoned for PS 196 rated 10 out of 10. You can buy a nice 2 br in a doorman building for less than 400k. E or F t...
by genjix
Fri Jul 31, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 23
Views: 2228

Re: I am a Rookie. I need some investing help.

Edit** Total bond market is commission free but i dont think Vangaurd CRSP US mid cap growth is Pete, I also notice you have some ETF's in TD. Is the active manager rebalancing these? I only looked at VOT VANGUARD CRSP US MID CAP GROWTH IND ETF 3% ETF from TD's website, and I don't think it qualifie...
by genjix
Fri Jul 31, 2015 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 23
Views: 2228

Re: I am a Rookie. I need some investing help.

Pete Since domestic equities will be the biggest part of your portfolio I would use the part of the 401k to approximate the total stock market 81% Vanguard 500 Index Fund – VFIAX - .05% 6% Vanguard Mid-Cap Index Fund – VIMAX - .09% EDIT** Added this mid cap 13% Vanguard Small – Cap Index Fund – VSMA...
by genjix
Fri Jul 31, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: does it make sense to roll over to 401k or keep IRA?
Replies: 1
Views: 163

does it make sense to roll over to 401k or keep IRA?

Here are 2 scenarios, Scenario A 100k in a 401k and keep contributing to it and yearly rebalancing. Scenario B 50k in 401k and keep contributing to it and yearly rebalancing 50k in Traditional IRA NO further contributions, but yearly rebalancing at the end of 30 years, would Scenario A = Scenario B ...
by genjix
Mon Jul 27, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 23
Views: 2228

Re: I am a Rookie. I need some investing help.

Welcome PeterK, Congrats on taking control of you financial future! I think everyone is right on in saying 22 funds is too much and a nightmare to try to rebalance. I see that they have fairly low Expense ratio's but I wonder if there is some other Management fee we dont know about since it is a man...
by genjix
Fri May 01, 2015 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 7314

Re: Feel like I made a mistake with buying a house: apprecia

Homes in up and coming neighborhoods have more upside in price value but they may be in a bad school district and things loke that. It may be hot area for young artists or young corporate but not to raise a family. Depends what your looking for. Id rather have less appreciation upside if it means im...
by genjix
Tue Mar 24, 2015 2:29 am
Forum: Personal Finance (Not Investing)
Topic: converting TSA [Tax Sheltered Annuity] to IRA
Replies: 3
Views: 539

Re: converting TSA [Tax Sheltered Annuity] to IRA

Sorry for the confusion. The current custodian is )ill just call it companyx). Im allowed to roll over 10% to an external ira annually and ill be rolling it over to vanguard. The remaining 90% I would like to convert from tsa to ira within companyx to avoid having to go the the plan admin every year...
by genjix
Mon Mar 23, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: converting TSA [Tax Sheltered Annuity] to IRA
Replies: 3
Views: 539

converting TSA [Tax Sheltered Annuity] to IRA

Hi all My plan from previous employment was in a tax sheltered annuity. It only allows me to rollover 10% per year to my vangaurd account. I would like to convert from tsa to ira which would free me from contacting my previous employers HR dept to sign off on the annual 10% rollover to my vg acct. A...
by genjix
Mon Mar 09, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: what can I do if I cant contact former plan admin
Replies: 3
Views: 451

what can I do if I cant contact former plan admin

Hi all Im trying to rollover my 401k from my former employers plan to ira however the plan administrator from my former company wont reply to my phone calls or emails. I need their signature to complete rollover. Are there any other options? The 401k company said I need the signiture and gave me no ...
by genjix
Tue Feb 10, 2015 9:13 am
Forum: Investing - Help with Personal Investments
Topic: old 403b plan administrator screwed me
Replies: 5
Views: 586

Re: old 403b plan administrator screwed me

Ahh sorry I meant they counted a contribtion made in december 2013 towards January 2014.
by genjix
Tue Feb 10, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: old 403b plan administrator screwed me
Replies: 5
Views: 586

Re: old 403b plan administrator screwed me

Can they do that? Contribute the difference and they give them back money?
I think they got confused and thought I contributed 10500 when I actually contributed 8750
by genjix
Tue Feb 10, 2015 7:50 am
Forum: Investing - Help with Personal Investments
Topic: old 403b plan administrator screwed me
Replies: 5
Views: 586

old 403b plan administrator screwed me

My old job had a lazy way (or perhaps it normal) of sending our 403b contributions. They did it once a month rather than after each paycheck so when we make our final contribution in 2014, it doesnt get deposited to our 403b until late January. So since the 2014 contributions was one number accordin...
by genjix
Wed Feb 04, 2015 5:42 am
Forum: Investing - Help with Personal Investments
Topic: rollover to IRA or to company 401k?
Replies: 8
Views: 819

Re: rollover to IRA or to company 401k?

Thanks for taking time to respond and all tye freat feedback. The amount im considering is is a little above middle 5 figures which represents about 25% of my portfolio. The biggest differences in fees is .20 in my ira to .07 in fees in my 401k although I will dig in now from your suggestion if ther...
by genjix
Mon Feb 02, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: rollover to IRA or to company 401k?
Replies: 8
Views: 819

rollover to IRA or to company 401k?

Hi all Recently got a new job and they seem to have a good 401k plan. They have funds at better fees than I can get at my personal ira plan same funds. Question is where to roll over. 401k but plan can change and not in my control or personal ira where fees slightly higher but more in my control on ...
by genjix
Thu Jul 24, 2014 8:53 am
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 931

Re: fidelity bond fund vs vanguard bond fund

Thanks. But beside ER di they pretty much follow the same index?
by genjix
Wed Jul 23, 2014 7:12 pm
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 931

fidelity bond fund vs vanguard bond fund

Hi all, Looking for some comparison advice on bond funds. Is Fidelity's US Bond index fund just as diversified as Vanguards Total bond market? In my 401, Fidelity expense ratio is .07% so I was thinking about using that bond fund instead of vanguards total bond market fund Spartan® U.S. Bond Index F...
by genjix
Thu Jan 23, 2014 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a carwash
Replies: 36
Views: 4168

Re: Investing in a carwash

I had a neighbor. During the 2008 downturn I would see him leave for work in the morning. I was glad to see that he stayed employed. Over the summer I found out he owned/ran a carwash down the street. I "figured" it was one of those invinicible things like car repair. (people will get the...
by genjix
Sun Jan 19, 2014 10:54 pm
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 8735

Re: 'Play' Money

yes, i do a combo of buy and hold and swing trade.

Its worked out well for me 2013 I made a 90% gain in the brokerage account, and used part of it to fully fund my 2014 Roth contributions, my primary is still index investing.
by genjix
Sun Jan 19, 2014 1:51 pm
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 3234

Re: Finished Basement Ideas

like someone mentioned above, maybe put all the wiring through carflex or something you can easily replace, as cables are always improving for better quality/speed. Maybe put a drag line in there too in case you want to pull additional cable
by genjix
Tue Jan 07, 2014 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 403b bond fund
Replies: 2
Views: 214

Re: Need help with 403b bond fund

retiredjg wrote:
genjix wrote:MML Managed Bond Fund
Total Annual Fund Operating Expenses
.65%

I think this is the best choice on that list.


Thanks for the advice, appreciate the help
by genjix
Tue Jan 07, 2014 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 403b bond fund
Replies: 2
Views: 214

Need help with 403b bond fund

Hi All, Its now to the point where I'm running out of space in my Vanguard account so I'll have to start reallocating future funds in my 403b My 403b is currently 100% Equity Index fund, but now I'll have to start making it 80% equity index fund and 20% Bonds. All my current bonds are in Vanguard wh...
by genjix
Thu Jul 25, 2013 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own any small cap stock ETFS? Thoughts on VBR Vs. VBK
Replies: 6
Views: 617

Re: Anyone own any small cap stock ETFS? Thoughts on VBR Vs.

So if history shouldn't have any effect in the decision making process why does the wiki use the term "historically" and "based on past performance" and why tilt at all? Shouldn't large cap have an equal chance of high returns as small caps given that nobody has a crystal ball. ...

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